Goods in Transit Insurance
Our specialist courier team provides insurance cover for businesses that transport goods for customers, helping to protect against the financial impact of loss or damage following an accident during transit.
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Who the product is suitable for:
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Those who transport goods either on behalf of someone else or their goods
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Tradespeople looking to cover their tools while in transit in their vehicle
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Haulers who need all risks or RHA cover
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Haulers requiring CMR cover
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Those transporting refrigerated goods
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Goods in Transit for Courier Drivers
Features & Benefits:
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Tools cover includes a 20% co-insurance clause for theft or attempted theft from a vehicle outside of working hours, where the insurer will pay 80% of the loss/damage
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Loss or damage to handheld scanners
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The policy covers cargo in England, Scotland, Wales, Northern Ireland, the Channel Islands and the Isle of Man
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An economy product is available which excludes high theft risk goods
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Extension available to cover refrigerated goods
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This policy
✔ Choose your level of Cover from £10K to £75K
✔ Optional Public Liability and Employers Liability
✔ Loss or damage to handheld scanners
✔ £10K Cover costs only £100.54 per year
Protecting Couriers since 2019
Since our founding in 2019, we have helped countless professional drivers get the protection they need.
Our flexible, affordable coverage can insure:
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Couriers
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Van owners who transport goods for payment
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Delivery drivers
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Lifestyle couriers
We’ve gained a deep understanding of the challenges you face and can tailor coverage to meet your needs.
Why Choose UK Sure
If your business involves being contracted to move goods from one place to another, delivering these items safely and without damage will be a high priority. We specialise in providing insurance for the transportation sector. We can help you obtain appropriate levels of coverage to suit your business and can provide goods in transit cover either as standalone coverage or as part of a courier insurance policy.
Our specialist team is available to take your call and discuss your requirements.
Goods in Transit Insurance. What is it?
Goods in transit insurance covers the cargo (goods or products) you transport from one location to another as part of your courier work.
It is not a legal requirement, but it is highly recommended to cover the risks you face when transporting other people’s goods. Without it, you could be held personally liable for issues arising while delivering goods.
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Couriers and haulers also need insurance for their vehicles and public liabilities. Alongside these, goods in transit insurance provides full cover for the risks you face while out on the road.
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It could only take an emergency stop in a vehicle to send tens of thousands of pounds worth of products tumbling into each other and causing irreparable damage. Or the security of your vehicle might be compromised while goods are transported between destinations, with items stolen as a result.
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Goods in transit insurance protects the goods you transport as a courier against damage or destruction, loss, theft, delayed delivery, and consequential losses for items not delivered correctly.
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Whilst a courier van insurance policy protects the driver and the vehicle, goods in transit cover the cargo on board (goods and products).
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Additionally, goods in transit cover often come with £10m of public liability insurance and £5m of employers’ liability insurance – handy protection against the risks you and any employees face while delivering goods.
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Typical items covered for couriers under a goods-in-transit policy include parcels, packages, newspapers, and letters.
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Cover for up to £25,000 per load is available, with individually listed items also covered up to £1,000. The driver’s own personal effects can also be covered up to £200.
How much does Goods in Transit Insurance cost?
UK Sure pricing is straightforward. The table below shows UK Sure Goods in Transit prices for 1 vehicle.
You can quote and buy online Goods in Transit for Couriers using this quote form
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UK Sure Goods in Transit prices are:
£10,000 Goods in Transit Cover Costs Only £100.54
£25,000 Goods in Transit Cover Costs Only £131.31
£50,000 Goods in Transit Cover Costs Only £160.85
£75,000 Goods in Transit Cover Costs Only £177.77
Goods in Transit Optional Extras
Public Liability
Whilst in many instances your business motor insurance policy will cover damage or injury to third parties whilst using the vehicle, there are many instances where your business will bring you into contact with the public outside the everyday use of the vehicle.
For instance, whilst loading or unloading, making a delivery to premises and access by the public to your business premises.
In such circumstances, Public Liability cover will protect you against injury to persons or damage to property caused by you whilst carrying out your business activities.
A Public Liability policy will protect you against the costs of compensation to be paid out as well as the legal expenses incurred during the claims process!
Employers Liability​
​If you are unsure whether you are required to carry Employers’ Liability cover you should seek professional advice. Further information can be found at http://www.hse.gov.uk/pubns/hse40.pdf.
If you are an employer, you are legally obliged to have employer liability insurance. You can be fined up to £2,500 for every day you do not have appropriate insurance.
Employers’ liability insurance covers the cost of compensation and any associated legal fees.
Is it required as a contractor?
Some of the larger networks such as DHL, TNT, and Parcelforce may require you to have this cover in place before you can commence work. You should seek advice on whether you need this cover with your employer.
How much employer liability coverage do I need?
Under the terms of the Employers’ Liability (Compulsory Insurance) Act 1969, you are required to have a minimum indemnity limit of £5million.
How to buy
Simple Steps to Secure Coverage – Buy Insurance with Ease!
Submit a quote online
Pick what you need! Buy goods in transit
insurance only or select Public Liability and
employers liability as an add-on. Submit your details now for a personalised quote and stay covered
on the road.
Check your details and payment options
Get ready to secure your peace of mind! Once you've reviewed your quote details and are excited to move forward, simply confirm your preferred payment method, and we'll activate your insurance starting from your chosen date. Let's get you covered!
UK Sure does the hard work
​We dive right in, comparing shop insurance quotes from top insurers just for you! We’ll consider all the benefits you need. Get ready for a bespoke quote tailored to your insurance needs, which we’ll email to you along with exciting payment options.
Policy Sorted
As soon as we get your confirmation, we'll activate your policy and send you the documents right away! You can kick back and relax, knowing your shop is fully insured. Plus, if you ever need to make a claim, we're here to help you every of the way!
How do claims work?
Tam de Franca - Claims
Our claims process
Unlike price comparison websites, we take the hassle out of claims. We know how important it is to get your business back on track quickly – and with minimum fuss. That’s why you get access to a dedicated claims team that will strive to liaise with your insurer to settle your claim quickly and hassle-free.
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Need to make a goods in transit insurance claim?
Call our team on 01323 416706
UK Sure Customer Services
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